TRANSPARENT PRICING OF 0.50% OR LESS%*

Pricing, often called a margin, is the difference between the rate we buy your currency and the rate we sell it to you. We will always be upfront about where your money goes.

^$0 fee offering is based on one payment per FX transaction above AUD 2,000 or equivalent in foreign currency. Additional payments may incur a fee of up to $15 each. Fees may apply for same currency transactions. No opening fees, no account keeping fees and no receiving fees.

Why 250,000 global businesses choose WorldFirst

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Experts in FX payments

Over $125 billion transferred for our business customers since 2004.

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Fast, secure transfers

International payments often received within one working day.

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5 star customer service

Rated excellent on Trustpilot & awarded 2021 money transfer service of the year on productreview.com.au.

FX solutions for your business

Protect your bottom line and diversify your hedging strategy. Explore our global payment solutions for businesses.

Forward Contract

Forward Contracts allow you to know now exactly how much you’ll get when you’re ready to transfer, and only need a deposit to hold this rate, freeing up your cash flow.

You can lock a rate in for up to two years.

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Spot Contract

Spot Contracts can be used for imminent payments. Businesses can use a Spot Contract to buy and sell a foreign currency at the current market exchange rate for immediate delivery.

View our live exchange rates with our currency converter

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Firm Orders

With a Firm Order you can buy or sell a currency at an exchange rate you choose.

Once the market hits that rate, we can execute your transfer.

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Make your first international business payment with WorldFirst today!

We value our customers and our team of dedicated Sydney based account managers are here to support your international payments journey.

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Rated excellent on TrustPilot

World First Pty Ltd is a designated remittance provider with the Australian Transaction Reports and Analysis Centre (AUSTRAC), remittance sector registration number: IND100192523-001. Regulated by the Australian Securities and Investments Commission (ASIC), Australian Financial Services Licence (AFSL) number 331945. Australian Company Number (ACN) 132 368 971. Member of the Australian Financial Complaints Authority, membership number 13405.

If you’re considering making a foreign exchange transaction, or you’re a new or existing customer looking for more information, it’s important your read our PDS available online.

*Pricing from 0.50% or less applies to 25 of our major and most popular currencies.

Price match applies if it doesn't result in a loss for us, we'll match it.

Many banks and payment providers frequently claim to offer “fair” and “transparent” pricing, yet the reality is something very different. Our new pricing model aims to provide both new and existing customers with fair, simple and transparent pricing, using 3 clear FX margin bands margins (0.5%, 0.25% and 0.15%) with no hidden fees. With transparent pricing our customers and potential customers can clearly compare WorldFirst to our competitors.

How do we collect this data?

WorldFirst obtain price comparisons from other international payment providers’ websites, at specific dates and time using a third-party supplier. The comparison table shows the margin applied by the competition to transfer amounts of AUD 1,000, 10,000 and 50,000 into EUR, USD and GBP.

1. The Margin

The margin is the percentage difference between the exchange rate we buy our currency at and the rate at which we sell it to our customers. We at WorldFirst take a smaller margin than most banks and other currency companies, and pass this benefit on to our clients, making all our transfers simpler and more transparent.

2. The cost of international payments

For each pricing band we look at the FX margin applied. This is what we use to compare against our fixed bands of (0.50%, 0.25% and 0.15%).

When researching and making comparisons it is important to know if any additional transaction charges will be applied such as payment fees or account management fees. For most customers WorldFirst does not apply additional fees to make payments or to maintain an account with us. If any fees are applicable these will be made clear to you in advance.

3. How do we work out a comparison up to 8 times cheaper than the banks

When we collect data from providers, we do it using different “amounts” such as $1,000, $10,000 and $50,000 where possible. For our data we have focused on the top currency pairs in Australia: GBP to USD/EUR/AUD.

Because the WorldFirst fixed pricing tiers are based on annual volumes transacted by our customers, we have averaged out the margins applied by competitors to transactions of differing amounts in those tiers to calculate an average margin. We take our margins and divide by the average margins of the big 4 banks. This is important, because providers tend to offer better exchange rates and smaller transfer fees when a customer is moving larger sums of money.

What all this means for you

Other money-transfer providers may have variable margins across different currencies, whilst WorldFirst now has fixed margins, agreed ahead of time, making it easier to compare.